BPAY® is a convenient bill paying service available using phone and internet banking. You can pay over 17,000 bills, schedule payments in advance plus, receive and view your bills in internet banking using BPAY View™. BPAY View™ allows you to receive and pay bills online from participating suppliers.

What are the benefits of using BPAY®?

Once you pay a bill, you can save the details, making it easy for you to pay the same bill next time.

Start using BPAY®

You do not need to register to use BPAY®, all you need is your BPAY® Biller Code and Reference number (both can be found near the BPAY® logo on your bills).

To get started, log into internet banking and go to Payments and Transactions from the toolbar, then choose BPAY.

Managing your bills with BPAY View™

Have you ever lost a bill? Perhaps you’ve missed a payment. Why not register for BPAY View™. This allows you to receive and manage your bills online. BPAY View™ is a rewarding service that takes BPAY® to the next level, allowing your bills and statements to be viewed and paid from within internet banking. Say goodbye to paper bills!

What is BPAYs iCRN?

BPAY’s Intelligent Customer Reference Number (iCRN) functionality enables organisations to only accept payments that are payable by a certain due date or for a fixed amount or both (i.e. Insurance, licences, fines). This applies to Billers who are identified as iCRN Billers where bill payments are required by a certain due date or for a fixed amount or both (i.e. Insurance, licences, fines). iCRN billers identify themselves in the BPay section of your bill.

Why do we need iCRN?

The iCRN functionality reduces the risk of errors or penalties and can eliminate scenarios where you think that you have paid for a product or service but find out later that the payment is not valid due to paying an incorrect amount or making the payment after the due date (e.g. purchasing or renewing insurance policies). Some organisations have a legal or compliance requirement to receive payment by a certain date or for a certain amount and iCRN reduces the risk associated with these payment collections.
If you require any further information about your particular payment requirements, please contact your Biller directly.

Variable biller numbers - change effective 15 January 2012

Some billers use different Customer Reference Number (vCRN) for each bill or different types of bills. Please ensure you always use the customer reference number as shown on the individual bill you are paying. Also, please note that as of 15 January 2012, you cannot set up recurring scheduled payments with a biller who uses variable reference numbers (vCRN), this is to minimise risks associated with scheduling payments to an incorrect reference number.

How do I make payments to billers using a vCRN?

To continue making BPAY® payments to billers using a vCRN:

cancel any existing recurring payments that have been set up previously using the vCRN

enter these as one-off transactions going forward

You will still be able to use your saved biller details, however the vCRN will need to be entered manually each time.

Visa Debit card

A Visa Debit card is a great way to access your own funds in your transaction account. You can use it anywhere in Australia and worldwide where Visa is accepted. It even has built in chip card technology for additional security.

A daily withdrawal limit of up to $1,000 applies to cash withdrawals, EFTPOS and Bank@Post.

ATMs

Finding a rediATM is easy. With thousands of big red ATMs around Australia, rediATMs are easy to find. Download the Teachers Mutual Bank app to do your banking anytime and anywhere - you can also use it to find the closest rediATM. Go to the App Store or iTunes and search for 'TM Bank'. Also available for Android phones on Google Play. Alternatively visit our Find an ATM page or download the free ‘rediATM Finder’ Android or iphone app.

Change your PIN at selected rediATMs

You can change your PIN at selected rediATMs, if you see the 'change PIN' option on the screen after you've entered your PIN. If it has no stated operator, it means that the 'change PIN' option is available on that ATM. However, if the rediATM is operated by NAB or Bank of Queensland, the 'change PIN' option is unavailable.

If you want your account balance immediately you can send us an SMS and we will reply with your balance. It’s that easy.

To get started, you need to register – you can do this within internet banking or by completing an Phone banking services request. Once registered you simply text the word
‘BAL’ to 0417 13 12 21 and a free text message will be sent to your mobile.

To request balances for any of your other accounts simply add the account type as outlined below:

Avoiding and minimising fees

Use the rediATM and NAB ATM network

You have unlimited rediATM and NAB ATM transactions every month. The rediATM and NAB ATM network is one of Australia's largest ATM networks and has more than 3,000 ATMs in rural, regional and metro locations across Australia.

Reduce other ATM usage

The easiest way to avoid ATM fees is to use only rediATM and NAB ATMs. If you must use another ATM to withdraw cash think about how much you might need for the next couple of days rather than just for today - withdrawing larger amounts less often will help reduce fees.

Get cash out when you shop

When you are shopping, withdraw cash at the same time as this avoids the need to get cash out at an ATM. You have unlimited EFTPOS transactions so make the most of them.

Cashless shopping

There are many ways you can pay for things that don’t involve cash. Think about using EFTPOS at the point of purchase with your Visa Debit card or rediCARD (for members aged under 18 years of age).

Pay bills electronically

Pay all of your bills electronically. Use our free internet and phone banking services to set up regular direct debits and BPAY.

Use SMS banking for balance enquiries

For the cost of an SMS you can get your balance at any time anywhere. Simply SMS the word ‘BAL’ to 0417 13 12 21 and a text message will be sent to your mobile phone with the balance of your S1 Everyday Account. To request balances for any of your other accounts simply add the account type using the example below:

‘BAL (space) S25’
‘BAL (space) I10’
‘BAL (space) L22’

Use internet and phone banking

Our internet and phone banking services are free. Use them to transfer money, pay bills via BPAY, check your balances – plus much more. If you are not registered complete the Internet banking services form or call us today to get you started.

Switch your account to us

If the thought of switching banks gives you a headache, we’ve got great news. At Teachers Mutual Bank, switching is as easy as 1.2.3.

1. Set up your Teachers Mutual Bank accounts

We have a selection of accounts designed to offer the flexibility you need to create a simple budgeting solution to help you shop, pay bills and save. You can open as many accounts as you want and, with no hidden fees and great rates, you’ll find just what you need. You can also open additional accounts within internet banking. Consider depositing your pay into your Teachers Mutual Bank account. Complete a Deposit your pay form and we can do it for you.

2. Transfer your regular debits and credits

We can act on your behalf to transfer your regular payments such as direct debits (gym memberships or utility bills) and direct credits (salary or dividends) to your Teachers Mutual Bank account from another bank or financial institution.

We send you the regular payment list so you can decide which direct debits or credits you would like to move across. You provide authority that you’re happy for us to contact the relevant organisations to update your bank details; and we do the rest.

Each organisation will notify you when your banking details have been updated. This may take up to 3 weeks.

3. Close your old account

Don't forget that the regular payments list does not include ‘pay anyone’ (eg: monthly gardener), BPAY or recurring payments where you have supplied your debit or credit card number. You can identify these in internet banking by reviewing your personal payees or BPAY list. Then we can help you re-establish online.

If you need help to switch to Teachers Mutual Bank, call 13 12 21 8am to 7pm, weekdays or 9am to 3pm, Saturday.

Frequently asked questions - Cheque clearance

What are the cheque clearance timeframes?

For cheques deposited at a Teachers Mutual Bank office, the clearance timeframe is three (3) business days.

For cheques deposited at NAB, the clearance timeframe is three (3) business days.

For cheques deposited at Bank@Post, the clearance timeframe is seven (7) business days.

Does the cheque clearance time apply for multiple cheque deposits?

Yes, when multiple cheques are deposited above a certain limit, cheque clearance times will apply to the proceeds of the first cheque deposit that takes the cumulative cheque total over the threshold amount. Any cheque deposits made after the threshold amount on the same business day will also have clearance times applied.

Do cheque clearance times apply to all accounts?

Do all types of cheques have clearance?

Yes, all cheques are subject to a clearance timeframe.

Why has cheque clearance times been introduced?

We have introduced cheque clearance times in order to minimise the risk of fraudulent activity as well as to reduce the number of overdrawn accounts due to dishonour charges.
This is also one of the ways we continually work to ensure the security of our members' assets, and ultimately to provide our members with strong and stable banking services. By reducing this risk, we are able to continue to provide products and services that make us more than a bank.

What date did these changes take effect?

The changes came into effect Monday, 25th July 2011.

What days are classified as business days?

Business days are from Monday to Friday (inclusive). Public holidays and weekends are not considered business days.

Frequently asked questions - Visa Debit card

What is a Visa Debit card?

A Visa Debit card enables you to use your own money to make purchases online, overseas, over the phone and with a merchant wherever Visa is accepted. The same card also gives you access to Australian and international ATMs where the Visa PLUS logo is displayed.

How can I apply for a Visa Debit card?

You will receive a Visa Debit card and a PIN number within 4-6 business days.

How do I activate my Visa Debit card?

You can activate your Visa Debit card in Internet Banking or Phone banking

Phone banking is accessible by calling 13 21 40 and is available 24/7. Internet banking is available via the login button above.

Can I have an additional card/s?

Yes. You can choose to have an additional card/s issued to family members or any other persons, providing they are over 13 years of age. The additional card/s operates in the same manner as your primary card and you will be responsible for their usage. Apply for an Additional Visa Debit card

Can I access telephone and internet banking services?

Yes. Phone banking is accessible by calling 13 21 40 and is available 24/7. Internet banking is available via the login button above.

How is the Visa Debit card used to make purchases?

When the Visa Debit card is used at an EFTPOS terminal, members have the option of either selecting the savings option which is great for withdrawing cash with your purchase, or selecting the credit option. The credit option will still access your own funds.

Will my card be issued with the payWave functionality?

Yes. Visa payWave is a new contactless method of payment. It is a simple, secure and quick payment method for transactions up to $100. The technology enables cardholders to ‘tap’ their card on a contactless POS terminal to make transactions up to $100, rather than ‘swiping or dipping’ their card into POS terminals.

What is the difference between a Visa Debit card and a Visa credit card?

A Visa Debit card allows you to pay for your purchases using your own money through the Visa network. A Visa credit card provides you with a ‘credit limit’ which can be utilised and repaid at a later date.

Unlike the Visa credit card, the Visa Debit card does not have an overdraft facility (unless you apply for an overdraft) and there are no interest charges payable (unless you overdraw).

Can EFTPOS still be used?

Yes. To use EFTPOS, the Visa Debit card can be used in the same manner as a rediCARD, where the savings option is selected and your PIN is keyed in when paying for purchases.

Will I receive a PIN number with my Visa Debit card?

Yes. For a new or additional card, the card will be sent to you in the mail after you receive your PIN.
If you are replacing a damaged card or renewing an existing card, the PIN number will remain the same.

Can I use my Visa Debit card overseas?

Yes. The Visa Debit card is accepted at more than 24 million locations worldwide. You can also make withdrawals from ATMs where the Visa PLUS logo is displayed. This can help avoid carrying large portions of cash (withdrawal fees apply).

Will I need a PIN number for overseas transactions?

Yes. Whether you are using a magnetic stripe or chip card, we strongly recommend that you know your PIN before travelling overseas. If you do not know your PIN, please contact us on 13 12 21.

What if my card is lost or stolen?

If your card is lost, stolen or you believe it may have been compromised, you must advise us immediately.

If my card is lost or damaged, will there be a card replacement fee?

Yes. A card replacement fee is payable when a card is damaged, captured, lost or the PIN is forgotten.

If you are overseas when your card is lost, stolen or damaged, you can contact Visa Global Customer Assistance to request an emergency card. The cost for this service is $150.

When should I receive the replacement card and PIN number?

A replacement card and a new PIN number (if applicable) will be mailed to you separately within 7 business days.

My Visa Debit card will expire at the end of this month. How do I renew my card?

You can continue to use your existing card until the last day of the month stated e.g. if the expiry date is 11/16 the card will expire on 30 November 2016. A renewal card will automatically be issued during the expiry month and your PIN number will remain the same.

If you do not receive your new card by the 21st of the month in which your card expires, please call us on 13 12 21.

Will my card be embedded with a chip to give me greater protection from fraud?

Yes all new, renewal and replacement Visa Debit cards are issued with chips in line with the global standards for card security.

Can I make internet, phone or mail order purchases using my Visa Debit card?

Yes. Visa Debit card gives you all the convenience of access to the worldwide Visa network, enabling you to make purchases online or over the phone, like booking tickets or paying a bill.

To make internet, phone or mail orders it is as simple as quoting your card number and expiry date in addition to the CVV number (this is the three digit code located on the back of your card to the right of the signature panel), if requested.

Can I set up recurring transactions?

Yes. You can set up recurring transactions to other organisations like insurance or car repayments to be charged to your card.

To set up a recurring transaction with other organisations, you must provide them with your 16 digit card number and expiry date, and advise the card type is Visa.

As an additional security measure some organisations may require you to provide a CVV number (this is the three digit code located on the back of your card to the right of the signature panel).

What is the daily limit on my Visa Debit card?

The daily ATM withdrawal limit is $1,000 per card or $1,000 per card for EFTPOS. If pressing the credit option, your daily available limit is the balance of your Everyday or Everyday Direct account.

What is Verified by Visa?

Verified by Visa is a free service to ensure you are protected while shopping online with your card at participating merchants. All cards are automatically protected.

Frequently asked questions - Visa Easy Payment Service

The Visa Easy Payment Service has been designed to increase transaction speed and cardholder convenience by eliminating the need for cardholders to enter a PIN when making a Visa card transaction of $35 or less at participating merchants.

The Visa Easy Payment Service is highly secure and similar to existing Visa card security measures. Each Visa Easy Payment Service is still electronically authorised by us at the time of purchase, hence subject to checking, which is the same case as a normal Visa card transaction.

If you lose your Visa card, we advise that you report it to us immediately. By doing so, you will be entitled to all Visa card protections as provided by Teachers Mutual Bank, including Zero Liability.

Reporting a card lost or stolen will also enable us to cancel the card, hence limiting fraudulent transactions.

Frequently asked questions - Visa payWave

What is Visa payWave?

Visa payWave is a new contactless method of payment - the latest evolution in Visa payments. It is a simple, secure and quick payment method for transactions up to $100. The technology enables cardholders to ‘tap’ their card on a contactless POS terminal to make transactions up to $100, rather than ‘swiping or dipping’ their card into POS terminals.

The cards have a tiny antenna embedded into the chip which securely transmits payment instructions to and from a specially adapted card terminal.

What happens if I try to purchase goods over $100?

For purchases exceeding $100 you can still use your Visa payWave-enabled card by entering your PIN to authorise the transaction or insert card and enter your PIN.

Why have Teachers Mutual Bank introduced Visa payWave?

We have introduced Visa payWave on our Visa Debit card so that our members can make quick and easy transactions. By introducing new and innovative products and features, we can ensure that our members have access to the latest features and benefits on their Visa Debit card.

You can make payWave transactions by holding your card within 5cm of the secure contactless reader. Four green lights will appear. This takes no more than half a second. You can then remove your card and the transaction will be complete. You can choose to have a receipt, but this is optional.

Your Visa payWave card still has all the regular features of a non-payWave card, so you can still ‘swipe or dip’ your card.

A Visa payWave-enabled card is a quicker and more convenient way to pay with the following benefits:

It saves time on both sides of the counter, due to shorter transaction times and shorter queue times.

It’s more convenient, as there is no need to worry about carrying around pockets of cash.

The card doesn’t leave your hand at the checkout when making a contactless purchase.

There is no need to enter a PIN for purchases to up $100. For purchases exceeding $100 you can still use your Visa payWave-enabled card by entering your PIN to authorise the transaction or insert card and enter your PIN.

No, they are not the same. Visa Easy Payment Service allows merchants to accept Visa Debit cards and Teachers Credit Cards without requiring a PIN for transactions under $35. The Visa Easy Payment Service transaction is performed in the standard way by ‘swiping or dipping’ the card. The service is designed to increase transaction speed and cardholder convenience, whilst reducing cash handling and operating costs for merchants.

The major differences between payWave and Visa Easy Payment Services are summarised in the below list:

Visa payWave:

Transaction limit is up to $100

Transaction is performed by tapping the card at contactless terminals

No PIN or signature is required to authorise the transaction

Visa’s Zero Liability Policy is available for members

Members have a choice to either use payWave or make transactions by ‘swiping or dipping’ the card.

Easy Visa Payment Services:

Applies to transactions under $35

Transaction is performed by ‘swiping or dipping’ the card into the terminal

No PIN is required to authorise the transaction

Visa’s Zero Liability Policy is available for members

Members do not choose the method of processing transaction as this is solely controlled by the merchant.

Can I choose not to have a payWave card?

The option to elect a non-payWave card is not available as all new and renewal cards will be automatically issued with payWave. However, you have the option to not use the payWave functionality. You can still choose to ‘swipe or dip’ your card using a PIN even if a payWave contactless terminal is available.

Why do I not have a choice to select a payWave card or a non-payWave card?

Unfortunately, the option to choose is not available for members. However, there are many benefits associated with using payWave card in terms of ease of payment and its convenience. You can still choose to use your card in the way you are most comfortable with – whether by payWave, PIN.

All payWave Visa cards carry Visa’s Zero Liability Policy, which ensures that you are not responsible for unauthorised transactions in the rare instances they occur. If you suspect any unauthorised charges on your card, please call us immediately.

Yes, you can use your payWave card wherever the contactless symbol is displayed in Australia or overseas. The Visa payWave-enabled card can be used for traditional transactions at millions of locations worldwide wherever the Visa logo is displayed, including over the internet, telephone or via mail order.

What is the difference between payWave and PayPass?

Is there any chance that payments may be taken twice from my account?

No, Visa payWave terminals are designed to only make one transaction per card at a time. All Visa payWave terminals are tested and certified to confirm that a card is only read once, before the transaction is concluded. As a safeguard, each transaction must be complete or void before another one can take place.

How do I know when a payment has been made?

The transaction is confirmed by illumination of four green indicator lights and a display message confirming that the transaction has been successful.

Is the transaction information secure?

Yes, the transaction information is secure because Visa payWave platform is based on secure EMV chip technology which provides both data protection and transaction security via the use of keys and the latest encryption technology. Transactions are processed through the same, reliable payment network as magnetic strip and chip transactions.

What features of a contactless card make it secure?

The security features of Visa payWave enabled cards include:

Ultra short read range – generally less than 4cm

Your Visa payWave card has its own, unique, built-in, secret key, which is used to generate a unique code for every Visa payWave transaction

Every Visa payWave transaction is authorised securely

The power and global reach of the VisaNet system to help prevent fraudulent transactions

In addition, cardholders remain in control of their cards during the entire transaction, further reducing the risk of fraud.

Is this technology as secure as my current Visa card?

Visa payWave-enabled cards are just as secure as your current Visa Debit card and carry the same multiple layers of security protection, including Zero Liability, which ensures members are not responsible for fraudulent or unauthorised transactions. The card never leaves your hands when making transactions, which reduces the risk of fraud.

Can I get cash out with a Visa payWave transaction?

No, but if you would like to get cash out, you can obtain cash via the ATM or EFTPOS network using the payWave card.

What is Visa's Zero Liability Policy?

This policy is Visa’s guarantee that Visa cardholders will not have to bear any liability for an unauthorised transaction, which includes transactions done through theft of the card or card fraud.

When you make overseas and/or domestic transactions and select the credit option.

Visa's Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please consult your issuer for additional details.

You should review your monthly statement and report any fraudulent activity as soon as possible, as there is a reasonable time period as to when you can make a claim on fraudulent activity that has taken place.

Can I request a payWave card prior to the renewal of my existing card?

Yes, you can request a Visa Debit payWave card prior to the expiry of your existing card – however, a replacement card fee will apply. The same card number and PIN will be issued. You will be automatically issued with a Visa Debit payWave card in the case of a lost or stolen card, where you will be issued with a new card number and PIN.

Can my identity be stolen through the chip in my hand?

Only minimal account and information is stored on a Visa payWave card, which is no more than traditional magnetic stripe cards or contact chip cards. Teachers Mutual Bank Visa payWave cards do not transmit the cardholder name or other personal details such as address or contact details, hence such information cannot be accessed by unauthorised methods.

Can a counterfeit card be created from intercepted contactless data?

The card contains an embedded chip that uses advanced cryptographic security to generate a unique code for each and every transaction. So if a criminal attempts to use intercepted data to manufacture a counterfeit card, the bank that issued your card would be able to identify and prevent the transaction.

Telegraphic transfers

Teachers Mutual Bank has partnered with American Express to offer you a variety of foreign currency services so you have the confidence of security and convenience when sending and receiving money from overseas.

Sending money overseas

A Telegraphic Transfer (TT) allows you to electronically send funds directly into your beneficiary’s account in a specified currency. TT’s are the preferred method to make large value international payments as they are processed quickly, cost-effectively and securely in over 100 currencies.

You can choose for the funds to be either in Australian dollars or the currency of the destination country (note some restrictions may apply*). Please note TT’s are not immediate – they can take anywhere between 7 and 10 working days to arrive, depending on the country.

To arrange for a TT complete the Telegraphic Transfer form before printing and posting, faxing or emailing to us.

PLEASE NOTE

PLEASE DO NOT pay in AUD.

When sending funds, please advise the sending financial institution that the transfer must remain in the same currency and NOT be converted. This can also be included in the ‘Payment notes’. Teachers Mutual Bank will arrange the conversion to AUD through our partners at American Express. To avoid intermediary bank fees, YOU SHOULD SEND MONEY IN THE CURRENCY OF THAT SENDING COUNTRY.

It is essential to include ‘FFC (For Further Credit) TMB [INSERT FULL NAME AND MEMBER NUMBER]’ in the ‘Payment notes’.

A fee of $5 applies if funds are sent in AUD

Receiving money using CUSCAL

You may also receive money from overseas using CUSCAL’s service. CUSCAL will not accept funds transferred from overseas directly to themselves, therefore your funds will need to be processed through an intermediary bank. You may be able to nominate either an intermediary bank of your own choosing, or CUSCAL’s preferred intermediary bank, NAB. Fees and Charges apply.

These details are for use by the sending bank:

Swift code:

CUSCAU2SXXX

Swift bank:

CUSCAL, 1 Margaret Street Sydney NSW 2000 Australia

BSB:

812-170

Account number:

Your member number

Account name:

Your full name

Forward to:

Teachers Mutual Bank Limited

Intermediary bank:

CUSCAL's preferred intermediary bank is NAB. Swift Code NATAAU3303M.

Please be aware that CUSCAL take a $6.29 fee, from incoming TT's from the amount you receive from overseas. The Sending Bank and the Intermediary Institution are able to deduct a processing fee for international transfers. Depending on the circumstances, such as the location of the sending financial institution and its commercial arrangements, processing via more than one intermediary bank may be necessary.

Receiving money using CUSCAL

You may also receive money from overseas using CUSCAL’s service. CUSCAL will not accept funds transferred from overseas directly to themselves, therefore your funds will need to be processed through an intermediary bank. You may be able to nominate either an intermediary bank of your own choosing, or CUSCAL’s preferred intermediary bank, NAB. Fees and Charges apply.

These details are for use by the sending bank:

Swift code:

CUSCAU2SXXX

Swift bank:

CUSCAL, 1 Margaret Street Sydney NSW 2000 Australia

BSB:

812-170

Account number:

Your member number

Account name:

Your full name

Forward to:

Teachers Mutual Bank Limited

Intermediary bank:

CUSCAL's preferred intermediary bank is NAB. Swift Code NATAAU3303M.

Please be aware that CUSCAL take a $6.29 fee, from incoming TT's from the amount you receive from overseas. The Sending Bank and the Intermediary Institution are able to deduct a processing fee for international transfers. Depending on the circumstances, such as the location of the sending financial institution and its commercial arrangements, processing via more than one intermediary bank may be necessary.

*See Terms and conditions. Please note that telegraphic transfers (TT’s) are sent via a network of correspondent banks, which sometimes levy a small handling charge on your payment. Any such fees, and payment delays, are out of our control.

American Express

Telegraphic Transfers are arranged through American Express International Inc. (ABN 15 000 618 208 AFSL No.237996). Incorporated with limited liability in Delaware USA. ®Registered Trademark of American Express Company. A Product Disclosure Document can be requested at tmbank.com.au or by calling 13 12 21 8am to 7pm, weekdays or 9am to 3pm, Saturdays or from any of our offices. The information contained in this document has been prepared without taking into account your objectives, financial situation or needs. You should read the PDS and consider the appropriateness of Telegraphic Transfers in relation to your individual requirements. Please note currency conversion rates change according to market conditions for outgoing transfers.

Cuscal

Cuscal is Australia's leading provider of transactional banking, liquidity and capital management products and superannuation solutions to more than 150 specialist financial services institutions across Australia. They provide clients access to Australian capital markets, payment systems, card schemes, inter-institutional settlement arrangements, and is one of the nation's largest ATM networks.

Privacy and Sitemap

If you work in the Australian education sector or you are a family member or partner of a TMB member – you may join TMB.
For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future. Full details are available on this website or on request. Lending criteria apply to approval of credit products. This information is general in nature and does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from Teachers Mutual Bank ABN 30 087 650 459 AFSL and Australian credit licence 238981.